id	sid	eid	entity	type
gujaf-254	1	1	4	CARDINAL
gujaf-254	1	2	2	CARDINAL
gujaf-254	1	3	october	DATE
gujaf-254	1	4	2023	CARDINAL
gujaf-254	1	5	2756-665x	CARDINAL
gujaf-254	1	6	social sciences	ORG
gujaf-254	1	7	federal university gusau	ORG
gujaf-254	1	8	zamfara state	GPE
gujaf-254	1	9	2023	CARDINAL
gujaf-254	1	10	4	CARDINAL
gujaf-254	1	11	2	CARDINAL
gujaf-254	1	12	october	DATE
gujaf-254	1	13	2023	CARDINAL
gujaf-254	1	14	2756-665x	CARDINAL
gujaf-254	1	15	social sciences	ORG
gujaf-254	1	16	federal university gusau	ORG
gujaf-254	1	17	zamfara state	GPE
gujaf-254	2	1	ahmadu bello university press limited	ORG
gujaf-254	2	2	zaria kaduna	PERSON
gujaf-254	2	3	nigeria	GPE
gujaf-254	3	1	08065949711	CARDINAL
gujaf-254	3	2	069-879121	CARDINAL
gujaf-254	4	1	shehu usman hassan department	PERSON
gujaf-254	5	1	muhammad mustapha	PERSON
gujaf-254	5	2	ahmadu bello university	ORG
gujaf-254	5	3	zaria	PERSON
gujaf-254	5	4	kaduna state	GPE
gujaf-254	6	1	umar farouk	PERSON
gujaf-254	6	2	federal university gusau	ORG
gujaf-254	6	3	zamfara state	GPE
gujaf-254	7	1	modu kumshe department of accounting	ORG
gujaf-254	7	2	university of maiduguri	ORG
gujaf-254	7	3	borno	GPE
gujaf-254	8	1	prof ugochukwu c. nzewi department of accounting	ORG
gujaf-254	8	2	paul university	ORG
gujaf-254	9	1	prof kabir tahir hamid	PERSON
gujaf-254	9	2	bayero university	ORG
gujaf-254	9	3	kano	ORG
gujaf-254	10	1	prof	PERSON
gujaf-254	11	1	ekoja b. ekoja department of accounting	ORG
gujaf-254	11	2	university of jos	ORG
gujaf-254	12	1	clifford ofurum department of accounting	ORG
gujaf-254	12	2	university of portharcourt	ORG
gujaf-254	14	1	ahmad bello dogarawa department of accounting	PERSON
gujaf-254	14	2	ahmadu bello university	ORG
gujaf-254	14	3	zaria	PERSON
gujaf-254	15	1	prof	PERSON
gujaf-254	16	1	yusuf	PERSON
gujaf-254	17	1	b. rahman	PERSON
gujaf-254	17	2	lagos state university	ORG
gujaf-254	19	1	suleiman a. s. aruwa	PERSON
gujaf-254	19	2	nasarawa state university	ORG
gujaf-254	19	3	keffi	GPE
gujaf-254	21	1	muhammad junaidu	PERSON
gujaf-254	21	2	kurawa iv	ORG
gujaf-254	22	1	university kano	ORG
gujaf-254	24	1	muhammad habibu sabari department	PERSON
gujaf-254	24	2	ahmadu bello university	ORG
gujaf-254	24	3	zaria	PERSON
gujaf-254	24	4	prof	PERSON
gujaf-254	25	1	okpanachi joshua department of accounting	ORG
gujaf-254	25	2	nigerian defence academy	ORG
gujaf-254	25	3	kaduna	GPE
gujaf-254	26	1	hassan ibrahim department	PERSON
gujaf-254	26	2	ibb university	ORG
gujaf-254	26	3	niger state	GPE
gujaf-254	27	1	prof	PERSON
gujaf-254	28	1	mary okwo department of accounting	ORG
gujaf-254	28	2	enugu state university of science and technology	ORG
gujaf-254	30	1	aminu isah department of accounting	ORG
gujaf-254	30	2	bayero university	ORG
gujaf-254	30	3	kano	ORG
gujaf-254	31	1	prof	PERSON
gujaf-254	32	1	ahmadu bello department of accounting	ORG
gujaf-254	32	2	ahmadu bello university	ORG
gujaf-254	32	3	zaria	PERSON
gujaf-254	33	1	prof	PERSON
gujaf-254	34	1	musa yelwa abubakar department	PERSON
gujaf-254	34	2	usmanu danfodiyo university	ORG
gujaf-254	34	3	sokoto state	ORG
gujaf-254	35	1	prof	ORG
gujaf-254	36	1	salisu abubakar department of accounting	ORG
gujaf-254	36	2	ahmadu bello university	ORG
gujaf-254	36	3	zaria	PERSON
gujaf-254	36	4	kaduna state	GPE
gujaf-254	37	1	prof	PERSON
gujaf-254	38	1	isaq alhaji samaila department of accounting	ORG
gujaf-254	38	2	bayero university	ORG
gujaf-254	39	1	fatima	PERSON
gujaf-254	39	2	university of maiduguri	ORG
gujaf-254	39	3	borno	GPE
gujaf-254	40	1	sunusi sa'ad	PERSON
gujaf-254	40	2	dutse	GPE
gujaf-254	40	3	jigawa state	GPE
gujaf-254	41	1	nasiru a. ka’oje	PERSON
gujaf-254	41	2	usmanu danfodiyo university	ORG
gujaf-254	41	3	sokoto	PERSON
gujaf-254	42	1	aminu abdullahi	PERSON
gujaf-254	42	2	usmanu danfodiyo university sokoto	ORG
gujaf-254	43	1	onipeadebenege yahaya department of accounting	ORG
gujaf-254	43	2	nigerian defence academy	ORG
gujaf-254	43	3	kaduna state	GPE
gujaf-254	44	1	dr.	PERSON
gujaf-254	44	2	saidu adamu department of accounting	ORG
gujaf-254	45	1	dr.	PERSON
gujaf-254	45	2	nasiru yunusa department	PERSON
gujaf-254	45	3	ahmadu bello university	ORG
gujaf-254	45	4	zaria	PERSON
gujaf-254	46	1	aisha	PERSON
gujaf-254	46	2	muhammad department	PERSON
gujaf-254	46	3	ahmadu bello university	ORG
gujaf-254	46	4	zaria	PERSON
gujaf-254	47	1	lawal muhammad	PERSON
gujaf-254	47	2	ahmadu bello university	ORG
gujaf-254	47	3	zaria	PERSON
gujaf-254	48	1	farouk	PERSON
gujaf-254	48	2	american university of nigeria	ORG
gujaf-254	48	3	yola	ORG
gujaf-254	49	1	bashir umar farouk	PERSON
gujaf-254	49	2	federal university gusau	ORG
gujaf-254	49	3	zamfara state	GPE
gujaf-254	50	1	dr emmanuel omokhuale department	PERSON
gujaf-254	50	2	federal university gusau	ORG
gujaf-254	51	1	state	ORG
gujaf-254	51	2	vi advisory board	ORG
gujaf-254	52	1	kabiru isah	PERSON
gujaf-254	52	2	bayero university kano	ORG
gujaf-254	53	1	bashir	PERSON
gujaf-254	53	2	usmanu danfodiyo university sokoto	ORG
gujaf-254	53	3	sokoto state	ORG
gujaf-254	55	1	muhammad tanko	PERSON
gujaf-254	55	2	kaduna state university	ORG
gujaf-254	55	3	kaduna	GPE
gujaf-254	56	1	usmanu danfodiyo university sokoto	ORG
gujaf-254	56	2	sokoto state	ORG
gujaf-254	58	1	aliyu sulaiman kantudu	PERSON
gujaf-254	58	2	university kano	ORG
gujaf-254	59	1	yazid ibrahim kabir	PERSON
gujaf-254	59	2	federal university gusau	ORG
gujaf-254	59	3	zamfara state	GPE
gujaf-254	60	1	vii	PERSON
gujaf-254	60	2	gusau journal of accounting	ORG
gujaf-254	61	1	two	CARDINAL
gujaf-254	61	2	april and october annually	DATE
gujaf-254	62	1	the department of accounting	ORG
gujaf-254	62	2	social sciences	ORG
gujaf-254	62	3	federal university gusau	ORG
gujaf-254	62	4	zamfara state	GPE
gujaf-254	62	5	nigeria	GPE
gujaf-254	62	6	islamic finance	ORG
gujaf-254	62	7	islamic	NORP
gujaf-254	63	1	english	LANGUAGE
gujaf-254	64	1	more than 15	CARDINAL
gujaf-254	64	2	a4	ORG
gujaf-254	64	3	1.5	CARDINAL
gujaf-254	64	4	12	CARDINAL
gujaf-254	65	1	25 percent	PERCENT
gujaf-254	66	1	5000	CARDINAL
gujaf-254	66	2	more than 250	CARDINAL
gujaf-254	66	3	four	CARDINAL
gujaf-254	67	1	apa 7th	PRODUCT
gujaf-254	68	1	journals.gujaf.com.ng mailto:elfarouk105@gmail.com	ORG
gujaf-254	72	1	fcmb	PERSON
gujaf-254	72	2	7278465011	DATE
gujaf-254	72	3	gusau journal of accounting	ORG
gujaf-254	72	4	federal university gusau	ORG
gujaf-254	72	5	zamfara state	GPE
gujaf-254	74	1	+2348069393824	DATE
gujaf-254	75	1	nigeria 1	FAC
gujaf-254	75	2	bala ado	PERSON
gujaf-254	75	3	nik mohd rashid	PERSON
gujaf-254	75	4	sa’adatu b. adam	PERSON
gujaf-254	75	5	abubakar	PERSON
gujaf-254	75	6	tariro masunda welfare	PERSON
gujaf-254	75	7	kaduna state	GPE
gujaf-254	75	8	18	CARDINAL
gujaf-254	75	9	i. isah	PERSON
gujaf-254	75	10	ibrahim kekere sule	PERSON
gujaf-254	75	11	phd	PERSON
gujaf-254	75	12	31	CARDINAL
gujaf-254	75	13	dwi damayanti	ORG
gujaf-254	75	14	nigeria	GPE
gujaf-254	75	15	47	CARDINAL
gujaf-254	76	1	m.s. tijjani	PERSON
gujaf-254	76	2	s. salami phd	PERSON
gujaf-254	76	3	nigeria	GPE
gujaf-254	76	4	67	CARDINAL
gujaf-254	76	5	hyeladi stanley dibal	PERSON
gujaf-254	76	6	polytechnics	GPE
gujaf-254	76	7	north west	GPE
gujaf-254	76	8	nigeria	GPE
gujaf-254	76	9	88	CARDINAL
gujaf-254	76	10	aliyu abdullahi ahmed	PERSON
gujaf-254	76	11	rabiatu ahmed	PERSON
gujaf-254	76	12	110	CARDINAL
gujaf-254	76	13	daniel gbadebo board education	ORG
gujaf-254	76	14	nigeria	GPE
gujaf-254	76	15	131	CARDINAL
gujaf-254	76	16	idris ibrahimphd	PERSON
gujaf-254	77	1	luka mailafia	PERSON
gujaf-254	77	2	suleiman phd	PERSON
gujaf-254	77	3	nigerian	NORP
gujaf-254	78	1	149	CARDINAL
gujaf-254	78	2	ovbe simon	PERSON
gujaf-254	78	3	south africa	GPE
gujaf-254	79	1	167	CARDINAL
gujaf-254	79	2	ahmed oluwatobi adekunle	PERSON
gujaf-254	79	3	nigeria	GPE
gujaf-254	79	4	182	CARDINAL
gujaf-254	79	5	patrick omoruyi	PERSON
gujaf-254	79	6	yunisa	PERSON
gujaf-254	79	7	simon amodu	PERSON
gujaf-254	79	8	nurudeen adebayo	PERSON
gujaf-254	79	9	nigeria	GPE
gujaf-254	79	10	209	CARDINAL
gujaf-254	79	11	umar suleiman abubakar dabai	PERSON
gujaf-254	79	12	biyai	GPE
gujaf-254	79	13	abubakar jimoh	PERSON
gujaf-254	79	14	haruna halimah	PERSON
gujaf-254	79	15	sani sambo phd	PERSON
gujaf-254	79	16	nigeria	GPE
gujaf-254	79	17	227	CARDINAL
gujaf-254	79	18	adamu salihu	ORG
gujaf-254	79	19	aminu danladi ahmad	PERSON
gujaf-254	79	20	zaharaddeen	CARDINAL
gujaf-254	79	21	salisu maigoshi	ORG
gujaf-254	79	22	naja'atu bala rabiu	PERSON
gujaf-254	80	1	240	CARDINAL
gujaf-254	80	2	ahmed oluwatobi adekunle	PERSON
gujaf-254	81	1	nigeria	GPE
gujaf-254	81	2	idris mohammed	PERSON
gujaf-254	81	3	joshua okpanachi	PERSON
gujaf-254	81	4	onipeadabenege yahaya	GPE
gujaf-254	81	5	suleiman	PERSON
gujaf-254	81	6	182	CARDINAL
gujaf-254	81	7	nigeria iro	GPE
gujaf-254	81	8	department of finance lagos state university, nigeria adairo18@gmail.com	ORG
gujaf-254	81	9	patrick omoruyi department of finance lagos state university	ORG
gujaf-254	81	10	nigeria	GPE
gujaf-254	83	1	yunisa	PERSON
gujaf-254	83	2	simon amodu department	PERSON
gujaf-254	84	1	nurudeen adebayo department of finance lagos state university	ORG
gujaf-254	85	1	nigeria	GPE
gujaf-254	85	2	2009	DATE
gujaf-254	85	3	2021	CARDINAL
gujaf-254	86	1	nigeria	GPE
gujaf-254	89	1	nigeria	GPE
gujaf-254	94	1	digital financial services	ORG
gujaf-254	94	2	nigeria	GPE
gujaf-254	95	1	183	CARDINAL
gujaf-254	95	2	1	CARDINAL
gujaf-254	96	1	nigeria	GPE
gujaf-254	96	2	africa	LOC
gujaf-254	99	1	world bank	ORG
gujaf-254	99	2	2020	DATE
gujaf-254	99	3	digital financial services	ORG
gujaf-254	102	1	ugwuanyi, & ekocha	ORG
gujaf-254	102	2	2023	CARDINAL
gujaf-254	103	1	digital financial services	ORG
gujaf-254	103	2	2023	CARDINAL
gujaf-254	105	1	africa	LOC
gujaf-254	105	2	fsda	ORG
gujaf-254	105	3	2022	CARDINAL
gujaf-254	105	4	firstly	ORDINAL
gujaf-254	105	5	secondly	ORDINAL
gujaf-254	105	6	thirdly	ORDINAL
gujaf-254	106	1	mbuthia & ndiritu	ORG
gujaf-254	106	2	2020	DATE
gujaf-254	108	1	2001	DATE
gujaf-254	111	1	184	CARDINAL
gujaf-254	114	1	2019	DATE
gujaf-254	117	1	haider	ORG
gujaf-254	117	2	2018	DATE
gujaf-254	118	1	kenya	GPE
gujaf-254	118	2	2017	CARDINAL
gujaf-254	121	1	buri & reitzug	ORG
gujaf-254	121	2	2019	DATE
gujaf-254	123	1	nigeria	GPE
gujaf-254	124	1	omojola & audu	ORG
gujaf-254	124	2	2023	CARDINAL
gujaf-254	130	1	185	CARDINAL
gujaf-254	130	2	2019	DATE
gujaf-254	134	1	2023	CARDINAL
gujaf-254	135	1	cbn	ORG
gujaf-254	135	2	5.24 percent	PERCENT
gujaf-254	135	3	july	DATE
gujaf-254	135	4	5.18 percent	PERCENT
gujaf-254	135	5	5.13 percent	PERCENT
gujaf-254	135	6	june	DATE
gujaf-254	135	7	cbn	ORG
gujaf-254	135	8	2023	CARDINAL
gujaf-254	136	1	nigerians	NORP
gujaf-254	137	1	1	CARDINAL
gujaf-254	138	1	nigeria	GPE
gujaf-254	138	2	cbn	ORG
gujaf-254	138	3	2023	CARDINAL
gujaf-254	138	4	nigeria	GPE
gujaf-254	138	5	2009-2021	DATE
gujaf-254	138	6	2023 0.00 2.00	CARDINAL
gujaf-254	138	7	1992	DATE
gujaf-254	138	8	2000 2002 2004 2006 2008	DATE
gujaf-254	138	9	2010	DATE
gujaf-254	138	10	2012	DATE
gujaf-254	138	11	186	CARDINAL
gujaf-254	138	12	nigeria	GPE
gujaf-254	138	13	the years	DATE
gujaf-254	139	1	2009	DATE
gujaf-254	139	2	45.716 million naira	MONEY
gujaf-254	139	3	1.59 billion naira	MONEY
gujaf-254	139	4	2021	DATE
gujaf-254	140	1	nigerian	NORP
gujaf-254	141	1	19.52 billion naira	MONEY
gujaf-254	141	2	2009	DATE
gujaf-254	141	3	about 203.26 billion naira	MONEY
gujaf-254	141	4	2020	DATE
gujaf-254	142	1	48.64 billion naira	MONEY
gujaf-254	142	2	2021	CARDINAL
gujaf-254	143	1	the years	DATE
gujaf-254	143	2	919.17 million naira	MONEY
gujaf-254	143	3	2009	DATE
gujaf-254	144	1	1.76 billion naira	MONEY
gujaf-254	144	2	2021	CARDINAL
gujaf-254	146	1	2021	CARDINAL
gujaf-254	147	1	3	CARDINAL
gujaf-254	147	2	cbn	ORG
gujaf-254	147	3	2023	CARDINAL
gujaf-254	147	4	the years	DATE
gujaf-254	148	1	19.52 billion naira	MONEY
gujaf-254	148	2	2009	DATE
gujaf-254	148	3	203.26 billion naira	MONEY
gujaf-254	148	4	2020	DATE
gujaf-254	149	1	48.64 billion naira	MONEY
gujaf-254	149	2	2021	DATE
gujaf-254	150	1	2021	CARDINAL
gujaf-254	151	1	7,012.5million-naira	MONEY
gujaf-254	151	2	2009	DATE
gujaf-254	151	3	24.48 billion naira	MONEY
gujaf-254	151	4	2021	DATE
gujaf-254	153	1	105.83 million naira	MONEY
gujaf-254	153	2	2009	DATE
gujaf-254	153	3	4,019,429.83 million naira	MONEY
gujaf-254	153	4	2021	DATE
gujaf-254	155	1	187	CARDINAL
gujaf-254	155	2	johnson	PERSON
gujaf-254	155	3	2020	DATE
gujaf-254	156	1	nigeria	GPE
gujaf-254	158	1	2023	CARDINAL
gujaf-254	159	1	cbn	ORG
gujaf-254	159	2	22.14 percent	PERCENT
gujaf-254	159	3	27.38%	PERCENT
gujaf-254	159	4	5.24%	PERCENT
gujaf-254	160	1	2018	DATE
gujaf-254	165	1	2021	CARDINAL
gujaf-254	166	1	africa	LOC
gujaf-254	166	2	loaba	GPE
gujaf-254	166	3	2021	CARDINAL
gujaf-254	166	4	mbuthia & ndiritu	ORG
gujaf-254	166	5	2020	DATE
gujaf-254	166	6	odongo &	ORG
gujaf-254	166	7	2017	CARDINAL
gujaf-254	167	1	nigeria	GPE
gujaf-254	167	2	2023	CARDINAL
gujaf-254	167	3	ugwuanyi, & ekocha	ORG
gujaf-254	167	4	2023	CARDINAL
gujaf-254	167	5	2023	CARDINAL
gujaf-254	167	6	2020	DATE
gujaf-254	168	1	nigeria	GPE
gujaf-254	169	1	nigeria	GPE
gujaf-254	169	2	mt	GPE
gujaf-254	170	1	mt	GPE
gujaf-254	170	2	nigeria	GPE
gujaf-254	171	1	dfs	ORG
gujaf-254	171	2	nigeria	GPE
gujaf-254	172	1	188	CARDINAL
gujaf-254	172	2	nigeria	GPE
gujaf-254	173	1	world bank	ORG
gujaf-254	173	2	nigeria	GPE
gujaf-254	173	3	west africa	GPE
gujaf-254	173	4	almost half	CARDINAL
gujaf-254	173	5	west africa’s	GPE
gujaf-254	173	6	approximately 220 million	CARDINAL
gujaf-254	173	7	africa	LOC
gujaf-254	174	1	the period 2009	DATE
gujaf-254	174	2	2021	CARDINAL
gujaf-254	175	1	2	CARDINAL
gujaf-254	176	1	section three (	LAW
gujaf-254	176	2	3	CARDINAL
gujaf-254	177	1	4	CARDINAL
gujaf-254	177	2	5	CARDINAL
gujaf-254	178	1	2	CARDINAL
gujaf-254	179	1	2020	DATE
gujaf-254	180	1	fintech	ORG
gujaf-254	181	1	world bank	ORG
gujaf-254	181	2	2020	DATE
gujaf-254	181	3	dfs	ORG
gujaf-254	182	1	2018	DATE
gujaf-254	184	1	atms	ORG
gujaf-254	187	1	mt	GPE
gujaf-254	191	1	2021	CARDINAL
gujaf-254	192	1	189	CARDINAL
gujaf-254	195	1	fredriksson & staal	ORG
gujaf-254	195	2	2022	CARDINAL
gujaf-254	199	1	2019	DATE
gujaf-254	200	1	2018	DATE
gujaf-254	203	1	two	CARDINAL
gujaf-254	204	1	one	CARDINAL
gujaf-254	205	1	between january and december 2017	DATE
gujaf-254	205	2	rodriguez & conrad	ORG
gujaf-254	205	3	2018	DATE
gujaf-254	207	1	four	CARDINAL
gujaf-254	207	2	190	CARDINAL
gujaf-254	207	3	nigeria	GPE
gujaf-254	210	1	1985	DATE
gujaf-254	211	1	2023	CARDINAL
gujaf-254	213	1	enobong	ORG
gujaf-254	213	2	osuma	ORG
gujaf-254	213	3	evbuomwan, & ndigwe	ORG
gujaf-254	213	4	2018	DATE
gujaf-254	215	1	nigeria	GPE
gujaf-254	215	2	second	ORDINAL
gujaf-254	215	3	lancaster	GPE
gujaf-254	215	4	1957	DATE
gujaf-254	217	1	second	ORDINAL
gujaf-254	217	2	second	ORDINAL
gujaf-254	218	1	1962	DATE
gujaf-254	221	1	silber (1983	ORG
gujaf-254	222	1	covid-19	PERSON
gujaf-254	223	1	many years	DATE
gujaf-254	223	2	191	CARDINAL
gujaf-254	225	1	2023	CARDINAL
gujaf-254	225	2	nigeria	GPE
gujaf-254	225	3	2009	DATE
gujaf-254	225	4	2019	DATE
gujaf-254	226	1	nigeria	GPE
gujaf-254	227	1	nigeria	GPE
gujaf-254	227	2	digital financial inclusion	ORG
gujaf-254	228	1	2022	CARDINAL
gujaf-254	228	2	africa	LOC
gujaf-254	228	3	2011	DATE
gujaf-254	228	4	2017	CARDINAL
gujaf-254	230	1	mbuthia	PERSON
gujaf-254	230	2	2020	DATE
gujaf-254	230	3	kenyan	NORP
gujaf-254	230	4	2009	DATE
gujaf-254	232	1	one	CARDINAL
gujaf-254	233	1	2021	CARDINAL
gujaf-254	233	2	nigeria	GPE
gujaf-254	233	3	1980	DATE
gujaf-254	233	4	2018	DATE
gujaf-254	235	1	nigeria	GPE
gujaf-254	236	1	2019	DATE
gujaf-254	236	2	nigeria	GPE
gujaf-254	236	3	pearson	PERSON
gujaf-254	237	1	abc microfinance bank	ORG
gujaf-254	238	1	192	CARDINAL
gujaf-254	238	2	2021	CARDINAL
gujaf-254	238	3	west africa	GPE
gujaf-254	238	4	2017	DATE
gujaf-254	239	1	2.4%	PERCENT
gujaf-254	239	2	0.83%	PERCENT
gujaf-254	240	1	2017	CARDINAL
gujaf-254	240	2	kenya	GPE
gujaf-254	240	3	uganda	GPE
gujaf-254	240	4	malawi	GPE
gujaf-254	240	5	zambia	GPE
gujaf-254	242	1	banke	PERSON
gujaf-254	242	2	yitayaw	PERSON
gujaf-254	242	3	2022	CARDINAL
gujaf-254	242	4	ethiopian	NORP
gujaf-254	242	5	2011	DATE
gujaf-254	242	6	2020	DATE
gujaf-254	245	1	dfs	ORG
gujaf-254	247	1	nigeria	GPE
gujaf-254	248	1	1985	DATE
gujaf-254	249	1	2023	CARDINAL
gujaf-254	251	1	enobong	ORG
gujaf-254	251	2	osuma	ORG
gujaf-254	251	3	evbuomwan, & ndigwe	ORG
gujaf-254	251	4	2018	DATE
gujaf-254	252	1	193	CARDINAL
gujaf-254	254	1	fred davis	PERSON
gujaf-254	254	2	1985	DATE
gujaf-254	255	1	tam	ORG
gujaf-254	262	1	one	CARDINAL
gujaf-254	263	1	β₁	ORG
gujaf-254	265	1	3	CARDINAL
gujaf-254	267	1	monthly	DATE
gujaf-254	267	2	cbn	ORG
gujaf-254	267	3	2021	DATE
gujaf-254	267	4	2009	DATE
gujaf-254	267	5	2021	CARDINAL
gujaf-254	268	1	194	CARDINAL
gujaf-254	270	1	3	CARDINAL
gujaf-254	272	1	3	CARDINAL
gujaf-254	273	1	+ β1δinatmt	DATE
gujaf-254	276	1	nigeria	GPE
gujaf-254	278	1	nigeria	GPE
gujaf-254	280	1	vt	PERSON
gujaf-254	281	1	4	CARDINAL
gujaf-254	285	1	195 4	DATE
gujaf-254	285	2	4.1	CARDINAL
gujaf-254	285	3	1	CARDINAL
gujaf-254	286	1	4.4126	MONEY
gujaf-254	286	2	4.4011	MONEY
gujaf-254	286	3	5.3367	CARDINAL
gujaf-254	286	4	2.9445	MONEY
gujaf-254	287	1	1.2121	CARDINAL
gujaf-254	287	2	1.0350	CARDINAL
gujaf-254	287	3	0.4906	MONEY
gujaf-254	287	4	1.5279 -0.1934 -0.3095 -0.0702	QUANTITY
gujaf-254	287	5	4.4517	CARDINAL
gujaf-254	287	6	2.0583	ORG
gujaf-254	287	7	2.7324 jarquebera	MONEY
gujaf-254	287	8	0.0000 0.0000 0.0643	MONEY
gujaf-254	287	9	156	CARDINAL
gujaf-254	287	10	156	CARDINAL
gujaf-254	287	11	156	CARDINAL
gujaf-254	287	12	156	CARDINAL
gujaf-254	287	13	156	CARDINAL
gujaf-254	287	14	2023	CARDINAL
gujaf-254	287	15	1	CARDINAL
gujaf-254	287	16	nigeria	GPE
gujaf-254	288	1	4.35 billion naira	MONEY
gujaf-254	288	2	0.79 to 5.34 billion naira	MONEY
gujaf-254	289	1	4.45	CARDINAL
gujaf-254	290	1	4.41 million naira	MONEY
gujaf-254	290	2	between 2.94	CARDINAL
gujaf-254	291	1	3.91	CARDINAL
gujaf-254	292	1	4.48 million naira	MONEY
gujaf-254	292	2	between 1.59	CARDINAL
gujaf-254	292	3	6.37 million naira	MONEY
gujaf-254	292	4	2.17	CARDINAL
gujaf-254	293	1	4.40 million naira	MONEY
gujaf-254	293	2	1.30	CARDINAL
gujaf-254	293	3	6.69 million naira	MONEY
gujaf-254	293	4	2.42	CARDINAL
gujaf-254	294	1	around 1.08%	PERCENT
gujaf-254	294	2	2.06	CARDINAL
gujaf-254	295	1	5.46 million naira	MONEY
gujaf-254	295	2	4.27	CARDINAL
gujaf-254	295	3	6.39 million naira	MONEY
gujaf-254	296	1	2.73	CARDINAL
gujaf-254	297	1	196	CARDINAL
gujaf-254	297	2	higher than 5 percent	PERCENT
gujaf-254	298	1	4.2	CARDINAL
gujaf-254	298	2	2	CARDINAL
gujaf-254	298	3	mt inf	FAC
gujaf-254	298	4	0.7131 0.7612 1	MONEY
gujaf-254	298	5	0.7829 0.7740	MONEY
gujaf-254	298	6	0.8015 0.7699	MONEY
gujaf-254	298	7	2023	CARDINAL
gujaf-254	298	8	2	CARDINAL
gujaf-254	298	9	mt	ORG
gujaf-254	300	1	one	CARDINAL
gujaf-254	301	1	0.33	CARDINAL
gujaf-254	303	1	0.71	CARDINAL
gujaf-254	305	1	0.78	CARDINAL
gujaf-254	305	2	mt	GPE
gujaf-254	307	1	0.78	CARDINAL
gujaf-254	310	1	197	CARDINAL
gujaf-254	310	2	-0.10	CARDINAL
gujaf-254	312	1	0.8	CARDINAL
gujaf-254	314	1	1.3	CARDINAL
gujaf-254	315	1	3	CARDINAL
gujaf-254	315	2	3	CARDINAL
gujaf-254	317	1	2023	CARDINAL
gujaf-254	317	2	3	CARDINAL
gujaf-254	318	1	mt	GPE
gujaf-254	318	2	first	ORDINAL
gujaf-254	319	1	4.4	CARDINAL
gujaf-254	319	2	3	CARDINAL
gujaf-254	319	3	i(1	NORP
gujaf-254	323	1	198	CARDINAL
gujaf-254	323	2	4	CARDINAL
gujaf-254	323	3	6.7152 10%	PERCENT
gujaf-254	323	4	2.26 3.35	QUANTITY
gujaf-254	323	5	5 5%	PERCENT
gujaf-254	323	6	2.62 3.79 2.5%	PERCENT
gujaf-254	323	7	2.96	CARDINAL
gujaf-254	323	8	4.18 1%	PERCENT
gujaf-254	323	9	3.41 4.68	CARDINAL
gujaf-254	323	10	2023	CARDINAL
gujaf-254	323	11	4	CARDINAL
gujaf-254	323	12	6.71	CARDINAL
gujaf-254	325	1	4.5	CARDINAL
gujaf-254	326	1	5	CARDINAL
gujaf-254	326	2	5	CARDINAL
gujaf-254	327	1	logl lr	PERSON
gujaf-254	327	2	fpe aic sc	ORG
gujaf-254	328	1	1996.74	CARDINAL
gujaf-254	328	2	2 870.1070	CARDINAL
gujaf-254	328	3	60.65	CARDINAL
gujaf-254	330	1	69.47	CARDINAL
gujaf-254	330	2	1.07e12	CARDINAL
gujaf-254	330	3	25.91 1.42e-12	TIME
gujaf-254	330	4	28.17	CARDINAL
gujaf-254	330	5	2023	CARDINAL
gujaf-254	330	6	3	CARDINAL
gujaf-254	331	1	3	CARDINAL
gujaf-254	332	1	199	CARDINAL
gujaf-254	332	2	6	CARDINAL
gujaf-254	334	1	2023	CARDINAL
gujaf-254	334	2	6	CARDINAL
gujaf-254	334	3	74%	PERCENT
gujaf-254	337	1	33.62	CARDINAL
gujaf-254	337	2	0.000	CARDINAL
gujaf-254	337	3	0.05	CARDINAL
gujaf-254	337	4	nigeria	GPE
gujaf-254	338	1	durbin watson	PERSON
gujaf-254	338	2	2.42	CARDINAL
gujaf-254	338	3	2	CARDINAL
gujaf-254	339	1	156	CARDINAL
gujaf-254	339	2	156	CARDINAL
gujaf-254	340	1	1	CARDINAL
gujaf-254	341	1	0.0065	CARDINAL
gujaf-254	342	1	0.0003	CARDINAL
gujaf-254	344	1	0.0002	CARDINAL
gujaf-254	345	1	0.0203	CARDINAL
gujaf-254	345	2	0.0236	CARDINAL
gujaf-254	347	1	0.0000	CARDINAL
gujaf-254	347	2	0.0002	CARDINAL
gujaf-254	348	1	0.0010	CARDINAL
gujaf-254	348	2	0.0017	CARDINAL
gujaf-254	349	1	0.0016	CARDINAL
gujaf-254	349	2	0.0000	CARDINAL
gujaf-254	349	3	0.0122	CARDINAL
gujaf-254	349	4	0.0016	CARDINAL
gujaf-254	350	1	0.0175	CARDINAL
gujaf-254	350	2	0.0000	CARDINAL
gujaf-254	350	3	0.0000	CARDINAL
gujaf-254	350	4	0.7424	MONEY
gujaf-254	350	5	0.7203	CARDINAL
gujaf-254	350	6	33.62	CARDINAL
gujaf-254	350	7	0.0000	CARDINAL
gujaf-254	350	8	2.4225 200	CARDINAL
gujaf-254	350	9	0	CARDINAL
gujaf-254	350	10	0.024 percent	PERCENT
gujaf-254	350	11	nigeria	GPE
gujaf-254	351	1	156	CARDINAL
gujaf-254	351	2	156	CARDINAL
gujaf-254	351	3	2	CARDINAL
gujaf-254	352	1	1 percent	PERCENT
gujaf-254	352	2	0.02	CARDINAL
gujaf-254	352	3	1	CARDINAL
gujaf-254	352	4	0.11 percent	PERCENT
gujaf-254	352	5	2	CARDINAL
gujaf-254	352	6	nigeria	GPE
gujaf-254	353	1	156	CARDINAL
gujaf-254	353	2	lag2	PERSON
gujaf-254	353	3	156	CARDINAL
gujaf-254	354	1	1 percent	PERCENT
gujaf-254	354	2	0.01	CARDINAL
gujaf-254	354	3	0.016 percent	PERCENT
gujaf-254	354	4	nigeria	GPE
gujaf-254	355	1	1(β	CARDINAL
gujaf-254	355	2	0.012	CARDINAL
gujaf-254	355	3	156	CARDINAL
gujaf-254	355	4	0.0001	CARDINAL
gujaf-254	355	5	2	CARDINAL
gujaf-254	355	6	0.017	CARDINAL
gujaf-254	355	7	156	CARDINAL
gujaf-254	355	8	0.0000	CARDINAL
gujaf-254	356	1	1 percent	PERCENT
gujaf-254	356	2	0.012	CARDINAL
gujaf-254	356	3	0.017 percent	PERCENT
gujaf-254	356	4	nigeria	GPE
gujaf-254	357	1	annually	DATE
gujaf-254	357	2	16.2%	PERCENT
gujaf-254	358	1	ecm	ORG
gujaf-254	358	2	nigeria	GPE
gujaf-254	360	1	+ β1δinatmt +	DATE
gujaf-254	360	2	4.7	CARDINAL
gujaf-254	360	3	7	CARDINAL
gujaf-254	361	1	d. v.	PERSON
gujaf-254	361	2	0.390 0.000	QUANTITY
gujaf-254	361	3	0.559	CARDINAL
gujaf-254	361	4	mt	ORG
gujaf-254	361	5	0.235	CARDINAL
gujaf-254	361	6	0.826	CARDINAL
gujaf-254	361	7	2023 201	CARDINAL
gujaf-254	361	8	7	CARDINAL
gujaf-254	362	1	0.390	CARDINAL
gujaf-254	362	2	156	CARDINAL
gujaf-254	362	3	0.009	CARDINAL
gujaf-254	362	4	156	CARDINAL
gujaf-254	362	5	nigeria	GPE
gujaf-254	363	1	mt	ORG
gujaf-254	363	2	nigeria	GPE
gujaf-254	364	1	4.8	CARDINAL
gujaf-254	365	1	8	CARDINAL
gujaf-254	365	2	2023	CARDINAL
gujaf-254	365	3	8	CARDINAL
gujaf-254	368	1	9	CARDINAL
gujaf-254	368	2	1.8656	CARDINAL
gujaf-254	369	1	0.0615	CARDINAL
gujaf-254	369	2	16.0858	CARDINAL
gujaf-254	370	1	chi-square	PERSON
gujaf-254	370	2	0.0651	CARDINAL
gujaf-254	370	3	758.9186	CARDINAL
gujaf-254	371	1	chi-square	PERSON
gujaf-254	371	2	0.0000	CARDINAL
gujaf-254	371	3	2023	CARDINAL
gujaf-254	372	1	1.866	CARDINAL
gujaf-254	372	2	0.062	CARDINAL
gujaf-254	372	3	0.065	CARDINAL
gujaf-254	373	1	4.10	CARDINAL
gujaf-254	373	2	nigeria	GPE
gujaf-254	374	1	0.3448	CARDINAL
gujaf-254	375	1	2,138	CARDINAL
gujaf-254	375	2	0.7090	CARDINAL
gujaf-254	375	3	0.7607	CARDINAL
gujaf-254	376	1	chi-square	PERSON
gujaf-254	377	1	74 percent	PERCENT
gujaf-254	379	1	nigeria	GPE
gujaf-254	386	1	jia	PERSON
gujaf-254	386	2	li	PERSON
gujaf-254	386	3	wu	PERSON
gujaf-254	386	4	2022	CARDINAL
gujaf-254	387	1	peng & mao	ORG
gujaf-254	387	2	2023	CARDINAL
gujaf-254	395	1	2023	CARDINAL
gujaf-254	397	1	203	CARDINAL
gujaf-254	398	1	mt	GPE
gujaf-254	401	1	li	PERSON
gujaf-254	401	2	wu	PERSON
gujaf-254	401	3	xiao	PERSON
gujaf-254	401	4	2020	DATE
gujaf-254	401	5	china	GPE
gujaf-254	404	1	zulfakarova	ORG
gujaf-254	404	2	2020	DATE
gujaf-254	407	1	moenjak	ORG
gujaf-254	407	2	kongrprajya	ORG
gujaf-254	407	3	2020	DATE
gujaf-254	407	4	thai	NORP
gujaf-254	409	1	2020	DATE
gujaf-254	414	1	2	CARDINAL
gujaf-254	414	2	nigeria	GPE
gujaf-254	416	1	firstly	ORDINAL
gujaf-254	416	2	204	CARDINAL
gujaf-254	418	1	atms	ORG
gujaf-254	420	1	mt	GPE
gujaf-254	421	1	mt	GPE
gujaf-254	423	1	nigeria	GPE
gujaf-254	425	1	nigeria	GPE
gujaf-254	426	1	the modern day	DATE
gujaf-254	427	1	nigeria	GPE
gujaf-254	432	1	205	CARDINAL
gujaf-254	434	1	i. o.	PERSON
gujaf-254	434	2	enobong, a.	ORG
gujaf-254	434	3	g. o.	PERSON
gujaf-254	434	4	evbuomwan	PERSON
gujaf-254	434	5	2018	DATE
gujaf-254	435	1	nigeria	GPE
gujaf-254	436	1	international journal of civil engineering and technology	ORG
gujaf-254	436	2	9(10	CARDINAL
gujaf-254	436	3	718	CARDINAL
gujaf-254	437	1	o. & audu	ORG
gujaf-254	437	2	s.	PERSON
gujaf-254	437	3	2023	CARDINAL
gujaf-254	438	1	digital financial inclusion technology	ORG
gujaf-254	438	2	nigeria	GPE
gujaf-254	439	1	international journal of innovative finance	ORG
gujaf-254	439	2	11(1	CARDINAL
gujaf-254	439	3	117	CARDINAL
gujaf-254	440	1	al-smadi	ORG
gujaf-254	440	2	m.o.	GPE
gujaf-254	440	3	2023	CARDINAL
gujaf-254	441	1	mena countries	ORG
gujaf-254	442	1	borsa istanbul review	ORG
gujaf-254	442	2	23(2	CARDINAL
gujaf-254	442	3	464	CARDINAL
gujaf-254	443	1	banke	PERSON
gujaf-254	443	2	n. k. & yitayaw	ORG
gujaf-254	443	3	m. k.	PERSON
gujaf-254	443	4	2022	CARDINAL
gujaf-254	444	1	ethiopia	GPE
gujaf-254	445	1	future business journal	ORG
gujaf-254	445	2	8(32	CARDINAL
gujaf-254	445	3	1-10	CARDINAL
gujaf-254	446	1	beloke n.b.	PERSON
gujaf-254	446	2	2023	CARDINAL
gujaf-254	447	1	cameroon	GPE
gujaf-254	448	1	esi	ORG
gujaf-254	449	1	biernacki	PERSON
gujaf-254	449	2	2020	DATE
gujaf-254	451	1	2025	CARDINAL
gujaf-254	452	1	1540315409	DATE
gujaf-254	452	2	buri, s. & reitzug	ORG
gujaf-254	452	3	f.	PERSON
gujaf-254	452	4	2019	DATE
gujaf-254	455	1	ifc	ORG
gujaf-254	455	2	mastercard foundation	ORG
gujaf-254	456	1	m., johnson	PERSON
gujaf-254	456	2	h. c.	PERSON
gujaf-254	456	3	e., & witoelar	ORG
gujaf-254	456	4	2020	DATE
gujaf-254	457	1	indonesia	GPE
gujaf-254	460	1	central bank of nigeria	ORG
gujaf-254	461	1	2021	CARDINAL
gujaf-254	462	1	annual	DATE
gujaf-254	464	1	central bank of nigeria	ORG
gujaf-254	465	1	2023	CARDINAL
gujaf-254	467	1	https://www.cbn.gov.ng/rates/mnymktind.asp	PRODUCT
gujaf-254	468	1	david-west	PERSON
gujaf-254	468	2	o. & nwagwu	ORG
gujaf-254	468	3	i. (2018	ORG
gujaf-254	469	1	sdgs	PERSON
gujaf-254	469	2	africa	LOC
gujaf-254	470	1	8	CARDINAL
gujaf-254	470	2	103	CARDINAL
gujaf-254	470	3	https://www.emerald.com/insight/search?q=ijeoma%20nwagwu 206 dadzie	DATE
gujaf-254	470	4	c. a.	GPE
gujaf-254	470	5	winston	GPE
gujaf-254	470	6	e. m.	PERSON
gujaf-254	470	7	williams	PERSON
gujaf-254	470	8	a. j., & dadzie	PERSON
gujaf-254	470	9	k. q.	PERSON
gujaf-254	470	10	2021	CARDINAL
gujaf-254	471	1	africa	LOC
gujaf-254	472	1	macromarketing	GPE
gujaf-254	472	2	41(2	CARDINAL
gujaf-254	472	3	391–410	CARDINAL
gujaf-254	473	1	davis	PERSON
gujaf-254	473	2	f. d.	PERSON
gujaf-254	473	3	1985	DATE
gujaf-254	475	1	massachusetts institute of technology	ORG
gujaf-254	477	1	efina	PERSON
gujaf-254	477	2	2020	DATE
gujaf-254	478	1	efina access	PERSON
gujaf-254	478	2	nigeria 2020	EVENT
gujaf-254	479	1	efina	PERSON
gujaf-254	481	1	a. e.	PERSON
gujaf-254	481	2	2021	CARDINAL
gujaf-254	483	1	nigeria	GPE
gujaf-254	484	1	18	CARDINAL
gujaf-254	484	2	324	CARDINAL
gujaf-254	485	1	s.	GPE
gujaf-254	485	2	ugwuanyi	GPE
gujaf-254	485	3	w., & ekocha	ORG
gujaf-254	485	4	j. o.	PERSON
gujaf-254	485	5	2023	CARDINAL
gujaf-254	486	1	nigeria	GPE
gujaf-254	487	1	advance journal	ORG
gujaf-254	487	2	7(3	CARDINAL
gujaf-254	488	1	j., & kere a. s.	ORG
gujaf-254	488	2	2022	CARDINAL
gujaf-254	489	1	africa	LOC
gujaf-254	490	1	journal of international money	ORG
gujaf-254	490	2	3(1	CARDINAL
gujaf-254	490	3	13-40	CARDINAL
gujaf-254	491	1	fredriksson c. & staal	ORG
gujaf-254	491	2	2022	CARDINAL
gujaf-254	493	1	27	CARDINAL
gujaf-254	493	2	257	CARDINAL
gujaf-254	493	3	fsd africa	ORG
gujaf-254	493	4	2022	CARDINAL
gujaf-254	494	1	africa	LOC
gujaf-254	495	1	5ive africa	GPE
gujaf-254	496	1	m. a.	PERSON
gujaf-254	496	2	2023	CARDINAL
gujaf-254	497	1	nigeria	GPE
gujaf-254	498	1	asian journal of economics	ORG
gujaf-254	498	2	23(6	CARDINAL
gujaf-254	498	3	22-31	DATE
gujaf-254	500	1	2021	CARDINAL
gujaf-254	501	1	https://www.gsma.com/mobilefordevelopment/wp haider	ORG
gujaf-254	501	2	2018	DATE
gujaf-254	504	1	brighton	GPE
gujaf-254	504	2	uk: institute of development studies	ORG
gujaf-254	505	1	z., & song	ORG
gujaf-254	505	2	x.	EVENT
gujaf-254	505	3	2020	DATE
gujaf-254	507	1	china	GPE
gujaf-254	507	2	9(4	CARDINAL
gujaf-254	507	3	24-45	DATE
gujaf-254	508	1	cfer-2020090402 kim	PERSON
gujaf-254	508	2	j. k.	PERSON
gujaf-254	508	3	2019	DATE
gujaf-254	510	1	korean	NORP
gujaf-254	510	2	72(6	CARDINAL
gujaf-254	510	3	558-569	CARDINAL
gujaf-254	511	1	krzysztof	PERSON
gujaf-254	511	2	2020	DATE
gujaf-254	513	1	2025	CARDINAL
gujaf-254	513	2	soliman khalid s.	PERSON
gujaf-254	513	3	2020	DATE
gujaf-254	513	4	1540315409	DATE
gujaf-254	513	5	207 li	PERSON
gujaf-254	513	6	j.	PERSON
gujaf-254	513	7	wu	PERSON
gujaf-254	513	8	& xiao	PERSON
gujaf-254	513	9	j. j.	PERSON
gujaf-254	513	10	2020	DATE
gujaf-254	514	1	china	GPE
gujaf-254	515	1	86	CARDINAL
gujaf-254	515	2	317	CARDINAL
gujaf-254	516	1	10.1016	CARDINAL
gujaf-254	516	2	j.econmod.2019.09.027 lipsey	GPE
gujaf-254	516	3	r. g. & lancaster	ORG
gujaf-254	516	4	1957	DATE
gujaf-254	517	1	second	ORDINAL
gujaf-254	518	1	24	CARDINAL
gujaf-254	518	2	1	CARDINAL
gujaf-254	518	3	11	CARDINAL
gujaf-254	518	4	loaba	GPE
gujaf-254	518	5	s.	PERSON
gujaf-254	518	6	2021	CARDINAL
gujaf-254	519	1	west africa	GPE
gujaf-254	520	1	https://doi.org/10.1016/j.gfj.2021.100620 mbuthia	PERSON
gujaf-254	520	2	a. n. & ndiritu	ORG
gujaf-254	520	3	a. w.	PERSON
gujaf-254	520	4	2020	DATE
gujaf-254	522	1	11(3	CARDINAL
gujaf-254	522	2	69	CARDINAL
gujaf-254	523	1	moenjak	GPE
gujaf-254	523	2	t.	GPE
gujaf-254	523	3	kongrprajya, a., & monchaitrakul	ORG
gujaf-254	523	4	2020	DATE
gujaf-254	524	1	fintech	ORG
gujaf-254	524	2	thailand	GPE
gujaf-254	525	1	adbi	PERSON
gujaf-254	525	2	1100	CARDINAL
gujaf-254	526	1	d.o. & edogiawerie	ORG
gujaf-254	526	2	m.n.	GPE
gujaf-254	526	3	2019	DATE
gujaf-254	527	1	abc microfinance bank	ORG
gujaf-254	527	2	edo state	ORG
gujaf-254	527	3	nigeria	GPE
gujaf-254	528	1	iosr journal of economics	ORG
gujaf-254	528	2	10(2	DATE
gujaf-254	528	3	71	CARDINAL
gujaf-254	530	1	s. o. (	PERSON
gujaf-254	530	2	2001	DATE
gujaf-254	532	1	malthouse press ltd	ORG
gujaf-254	532	2	53-112	CARDINAL
gujaf-254	532	3	s. a.	PERSON
gujaf-254	532	4	t. m. & were	ORG
gujaf-254	532	5	2017	CARDINAL
gujaf-254	534	1	7	CARDINAL
gujaf-254	534	2	29	CARDINAL
gujaf-254	534	3	35	DATE
gujaf-254	534	4	p. k.	PERSON
gujaf-254	535	1	2018	DATE
gujaf-254	536	1	borsa istanbul review	ORG
gujaf-254	536	2	18(4	CARDINAL
gujaf-254	536	3	329	CARDINAL
gujaf-254	537	1	peng	PERSON
gujaf-254	537	2	2023	CARDINAL
gujaf-254	538	1	china	GPE
gujaf-254	539	1	165	CARDINAL
gujaf-254	539	2	377	CARDINAL
gujaf-254	540	1	m. h.	PERSON
gujaf-254	540	2	2020	DATE
gujaf-254	541	1	bangladesh	GPE
gujaf-254	541	2	fourth	ORDINAL
gujaf-254	542	1	asian	NORP
gujaf-254	542	2	social sciences	ORG
gujaf-254	542	3	2(5	CARDINAL
gujaf-254	542	4	88	CARDINAL
gujaf-254	543	1	c. & conrad	ORG
gujaf-254	543	2	2018	DATE
gujaf-254	546	1	ifc	ORG
gujaf-254	546	2	mastercard foundation	ORG
gujaf-254	547	1	rogers	ORG
gujaf-254	547	2	e.m.	GPE
gujaf-254	547	3	1962	DATE
gujaf-254	549	1	new york	GPE
gujaf-254	550	1	silber	DATE
gujaf-254	550	2	w. l.	PERSON
gujaf-254	550	3	1983	DATE
gujaf-254	552	1	american	NORP
gujaf-254	552	2	american economic association	ORG
gujaf-254	552	3	89	CARDINAL
gujaf-254	553	1	208	CARDINAL
gujaf-254	553	2	m.c	GPE
gujaf-254	553	3	2021	CARDINAL
gujaf-254	554	1	simatele	GPE
gujaf-254	554	2	m.c	GPE
gujaf-254	555	1	ed	PERSON
gujaf-254	555	2	african	NORP
gujaf-254	555	3	9–34	CARDINAL
gujaf-254	555	4	cape	GPE
gujaf-254	556	1	s.	PERSON
gujaf-254	556	2	2023	CARDINAL
gujaf-254	556	3	march 27	DATE
gujaf-254	559	1	a. & mungar	ORG
gujaf-254	559	2	2022	CARDINAL
gujaf-254	560	1	procedia computer science	ORG
gujaf-254	560	2	217	CARDINAL
gujaf-254	560	3	2023	CARDINAL
gujaf-254	561	1	670–678	CARDINAL
gujaf-254	562	1	ugwuanyi	GPE
gujaf-254	562	2	g.o.	GPE
gujaf-254	562	3	okon	PERSON
gujaf-254	562	4	u.e.	GPE
gujaf-254	562	5	2020	DATE
gujaf-254	563	1	nigeria	GPE
gujaf-254	564	1	nigerian journal of banking	ORG
gujaf-254	564	2	12(1	CARDINAL
gujaf-254	564	3	47	CARDINAL
gujaf-254	565	1	j., larionova	ORG
gujaf-254	565	2	n., & zulfakarova	ORG
gujaf-254	565	3	2020	DATE
gujaf-254	567	1	128	CARDINAL
gujaf-254	567	2	1661	CARDINAL
gujaf-254	568	1	t. &	ORG
gujaf-254	568	2	j. j. k.	PERSON
gujaf-254	568	3	2023	CARDINAL
gujaf-254	569	1	nigeria	GPE
gujaf-254	570	1	world bank	ORG
gujaf-254	570	2	2020	DATE
gujaf-254	571	1	digital financial services	ORG
gujaf-254	572	1	li	PERSON
gujaf-254	572	2	w., & wu	ORG
gujaf-254	572	3	r.	PERSON
gujaf-254	572	4	2022	CARDINAL
gujaf-254	573	1	peking university digital inclusive financial	ORG
gujaf-254	573	2	china household	ORG
gujaf-254	574	1	china agricultural economic review	ORG
gujaf-254	574	2	14(1	CARDINAL
gujaf-254	574	3	165	CARDINAL